BlastPoint's Credit Union Scorecard
FIDELIS
Charter #11380 · NY
<100M
2556 CUs in <100M nationally
183 in NY
FIDELIS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.66% above tier average
- + Deposit Growth Rate: Top 1.2% in tier
- + Net Worth Ratio: Top 2.3% in tier
- + Asset Growth Rate: Top 5.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Member Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Efficiency ratio 19.15% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 2.7% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Deposits: Bottom 3.6% in tier
- - Total Assets: Bottom 4.1% in tier
- - Total Loans: Bottom 4.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
335
+3.4% YoY+1.8% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
Bottom 8.8% in tier |
| Assets |
$713,734
+13.0% YoY+1.8% QoQ
|
$-29.4M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.1% in tier |
| Loans |
$235,870
-4.4% YoY+5.1% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.4% in tier |
| Deposits |
$430,993
+25.3% YoY+13.2% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.5% in tier |
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| ROA |
-0.2%
-114.5% YoY-103.5% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.5% in tier |
| NIM |
4.6%
-7.7% YoY-61.6% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
101.7%
+38.0% YoY+108.5% QoQ
|
+19.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.0% in tier |
| Delinquency Rate |
0.4%
-44.5% YoY-69.2% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
54.7%
-23.7% YoY-7.2% QoQ
|
-5.9% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$1,991
+9.2% YoY+8.3% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.7% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
32
Deposit Growth Rate
growth
Value:
25.34%
Peer Median: -
#32 of 2556
Top 1.2% in <100M tier
61
Net Worth Ratio
risk
Value:
39.57%
Peer Median: -
#61 of 2556
Top 2.3% in <100M tier
128
Asset Growth Rate
growth
Value:
12.96%
Peer Median: -
#128 of 2556
Top 5.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
237
Member Growth Rate
growth
Value:
3.40%
Peer Median: -
#237 of 2556
Top 9.2% in <100M tier
292
AMR Growth Rate
growth
Value:
9.21%
Peer Median: -
#292 of 2556
Top 11.4% in <100M tier
607
Net Interest Margin (NIM)
profitability
Value:
4.61%
Peer Median: -
#607 of 2556
Top 23.7% in <100M tier
Top Weaknesses (9 metrics)
2487
Average Member Relationship (AMR)
engagement
Value:
$1,991
Peer Median: -
#2487 of 2556
Bottom 2.7% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2466
Total Deposits
balance_sheet
Value:
$430,993
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2452
Total Assets
balance_sheet
Value:
$713,734
Peer Median: -
#2452 of 2556
Bottom 4.1% in <100M tier
2443
Total Loans
balance_sheet
Value:
$235,870
Peer Median: -
#2443 of 2556
Bottom 4.5% in <100M tier
2440
Loan-to-Member Ratio (LMR)
engagement
Value:
$704.09
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2330
Total Members
engagement
Value:
335
Peer Median: -
#2330 of 2556
Bottom 8.9% in <100M tier
2301
Efficiency Ratio
profitability
Value:
101.71%
Peer Median: -
#2301 of 2556
Bottom 10.0% in <100M tier
2236
Return on Assets (ROA)
profitability
Value:
-0.20%
Peer Median: -
#2236 of 2556
Bottom 12.6% in <100M tier